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There has been happening a revolutionary changes in
the banking sector and these changes include phone banking, online banking,
ATM, pay roll cards, credit cards, debit cards, cheque cards, smart cards, bill
payments, investments in mutual funds, investment in bonds, under writing, banc
assurance, life insurance policies, currency exchange services, tax payments,
foreign exchange markets, trust services, inter national banking, syndicated
loans, letters of credit various loans such as home loans, personal loans,
education loans etc. The current world needs to adopt innovative
approaches to every sector as they face the triple whammy of intensifying
global competition, fast-developing technologies and diminishing world
resources .In a rapidly changing world innovation is no longer an
option it is a necessity. All these changes are attained by technological and
regulatory changes. Technology is playing a crucial role in the banking
industry today as the role playing by ship’s engine in the journey of ship.